Mortgage Lenders and Brokers in Waterford, Virginia
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Waterford, Virginia mortgage lenders include Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA 22306A5.0 ★Texas Ratio: 8.14%, Truist BankTruist Bank233 Wyndale Road, Abingdon, VA 24210A+5.0 ★Texas Ratio: 2.87%, First National Bank of PAFirst National Bank of PA704 King Street, Alexandria, VA 22314A+5.0 ★Texas Ratio: 1.62%, Atlantic Union BankAtlantic Union Bank115 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 2.51%, Bank of America NABank of America NA42030 Village Center Plz, Aldie, VA 20105A+5.0 ★Texas Ratio: 4.14%, Northwest Federal Credit UnionNorthwest Federal Credit Union1008 N Glebe Rd, Arlington, VA 22201 4799A+5.0 ★Texas Ratio: 2.12%, United Bank VaUnited Bank Va7901 Richmond Hwy, Alexandria, VA 22306A+5.0 ★Texas Ratio: 2.15%, M&T BankM&T Bank7485 Richmond Highway, Alexandria, VA 22306A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA106 N Washington St, Alexandria, VA 22314A+5.0 ★Texas Ratio: 3.68%, and Apple Federal Credit UnionApple Federal Credit Union7696F Richmond Hwy, Alexandria, VA 22306. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Waterford, Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waterford are listed first, then lenders elsewhere in Virginia, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Waterford, Virginia
Market share is the lender's share of all home loans closed in Waterford, Virginia. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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7678D Richmond Hwy, Alexandria, VA 22306 A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 9 +10 HELOCs |
4.9% | 90% | $437,222 | |
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★ 1 stars, 1 review 233 Wyndale Road, Abingdon, VA 24210 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 4 +5 HELOCs |
2.2% | 100% | $1,195,000 | View |
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704 King Street, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.6% | 100% | $1,038,333 | View |
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115 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 2.51% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
1.1% | 100% | $1,885,000 | View |
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42030 Village Center Plz, Aldie, VA 20105 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 100% | $1,095,000 | View |
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1008 N Glebe Rd, Arlington, VA 22201 4799 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 60% | $135,000 | View |
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7901 Richmond Hwy, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $885,000 | View |
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7485 Richmond Highway, Alexandria, VA 22306 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $590,000 | View |
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106 N Washington St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.1% | 100% | $830,000 | View |
Apple Federal Credit Union
7696F Richmond Hwy, Alexandria, VA 22306 |
Conventional | 2 | 1.1% | 100% | $115,000 | |
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2879 Clarendon Boulevard, Arlington, VA 22201 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 2 | 1.1% | 100% | $855,000 | View |
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3101 Wilson Blvd, Arlington, VA 22201 A+5.0 ★Texas Ratio: 3.45% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,785,000 | View |
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446 Madison Trade Plz Se, Leesburg, VA 20175 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 1 | 0.5% | 100% | $755,000 | View |
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★ 1.7 stars, 3 reviews 3131 Duke St, Alexandria, VA 22314 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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13478 Carrollton Blvd Ste A, Carrollton, VA 23314 A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5519 Franconia Rd, Alexandria, VA 22310 A5.0 ★Texas Ratio: 7.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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600 Army Navy Dr, Arlington, VA 22202 4200 A5.0 ★Texas Ratio: 7.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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950 N Glebe Rd, Arlington, VA 22203 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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6566 Little River Tpke, Alexandria, VA 22312 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Atlantic Coast Mortgage, LLC
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Conventional, VA, Jumbo | 10 | 5.4% | 100% | $903,000 | |
Intercoastal Mortgage, LLC
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Conventional, VA, Jumbo | 9 | 4.9% | 100% | $922,777 | |
First Savings Mortgage Corporation
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Conventional, Jumbo | 5 | 2.7% | 100% | $953,000 | |
ALCOVA Mortgage, LLC
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Conventional | 4 | 2.2% | 100% | $680,000 | |
Vellum Mortgage, Inc.
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Conventional, Jumbo | 3 | 1.6% | 100% | $941,666 | |
Farm Credit of the Virginias, ACA
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Conventional, Jumbo | 2 | 1.1% | 100% | $950,000 | |
City Lending Inc.
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $765,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $915,000 | |
Nrl Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 21 | 11.4% | 80.8% | $504,047 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 7 +2 HELOCs |
3.8% | 77.8% | $817,857 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 6 | 3.3% | 100% | $761,666 | |
Cmg Mortgage Inc
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Conventional, VA, Jumbo | 6 | 3.3% | 100% | $846,666 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 5 | 2.7% | 83.3% | $1,017,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA, Jumbo | 4 | 2.2% | 100% | $997,500 | |
SWBC Mortgage Corporation
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Conventional, FHA | 4 | 2.2% | 100% | $415,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 2.2% | 80% | $720,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
1.6% | 75% | $221,666 | |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, VA, Jumbo | 3 | 1.6% | 100% | $1,271,666 | View |
Amerisave Mortgage Company
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Conventional | 3 | 1.6% | 50% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 1.6% | 100% | $531,666 | View |
loanDepot.com LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
1.1% | 100% | $335,000 | |
Freedom Mortgage Corporation
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Conventional, VA, Jumbo | 2 | 1.1% | 100% | $1,370,000 | |
Newrez LLC
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Conventional | 2 | 1.1% | 100% | $80,000 | |
Nfm, Inc
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Conventional, Jumbo | 2 | 1.1% | 100% | $1,365,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.1% | 100% | $145,000 | |
The Loan Store, Inc
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Conventional | 2 | 1.1% | 100% | $580,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 1.1% | 100% | $810,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.5% | 50% | $1,485,000 | View |
State Employees' Credit Union
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Conventional | 1 | 0.5% | 100% | $805,000 | |
Equity Resources Inc
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Conventional | 1 | 0.5% | 100% | $805,000 | |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.5% | 100% | $505,000 | |
RANLife, Inc.
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FHA | 1 | 0.5% | 100% | $985,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.5% | 100% | $745,000 | View |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $815,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,025,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
Guild Mortgage Company
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VA | 1 | 0.5% | 100% | $515,000 | |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,595,000 | |
Bayshore Mortgage Funding
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FHA | 1 | 0.5% | 100% | $855,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $945,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $85,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $705,000 | View |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.5% | 100% | $1,205,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.5% | 50% | $875,000 | View |
Ithink Financial Credit Union
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Conventional | 1 | 0.5% | 100% | $875,000 | |
Agfirst Farm Credit Bank
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Conventional | 1 | 0.5% | 100% | $95,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $1,155,000 | View |
Mortgage Research Center
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VA, Jumbo | 1 | 0.5% | 100% | $1,265,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,295,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.5% | 100% | $825,000 | View |
Lower, LLC
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Conventional | 1 | 0.5% | 100% | $875,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.5% | 100% | $915,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.5% | 100% | $3,415,000 | View |
United Nations Federal CU
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Conventional | 1 | 0.5% | 100% | $975,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.5% | 50% | $775,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $645,000 | |
Pentagon Federal Credit Union
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HELOC | 0 +8 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
State Employees Credit Union of MD
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bank Fund Staff Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Elements Financial Federal Cre
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Northrop Grumman Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Waterford Mortgage Rate Trends
Daily average mortgage rates for Virginia compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Waterford, Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Waterford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waterford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waterford, VA
Use these to narrow the list above. Each category shows how many Waterford, VA lenders fit and what that kind of lender is usually best for.
Who Lends in Waterford, VA
Independent mortgage companies closed 72.3 percent of home loans in Waterford, Virginia in 2025, banks 19 percent and credit unions 8.7 percent. Atlantic Coast Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Virginia, Navy Federal Credit Union led with 9 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Virginia. State recordation tax of $0.25 per $100 on deeds and on deeds of trust (buyer/borrower), a state grantor tax of $0.50 per $500 (seller), localities may add one third of the state tax, and Northern Virginia and Hampton Roads add a regional grantor tax of $0.10 per $100 (Va. Code 58.1-801 through 58.1-803).
More Virginia Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Waterford, VA
By home loans closed in 2025, Navy Federal Credit Union was the largest mortgage lender in Waterford, Virginia with 9 loans, about 4.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Waterford, Virginia in 2025, led by Rocket Mortgage with 1. 16 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 28 banks and 19 credit unions closed home loans in Waterford, Virginia in 2025, alongside 48 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Waterford, Virginia during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Waterford, Virginia for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Waterford. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
